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KOTAK
No joining fee, and the Rs. 199 annual fee goes at Rs. 15,000 of yearly spending
One-time
Waived on ₹15,000/yr
Uncapped rewards
Score 700+
Applying takes you to KOTAK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
1 reward rate with their caps, taken from KOTAK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 9 Oct 2026.
See where each figure came fromEverything else
No published ceiling on this tier
Data-driven verdict based on net earnings after fees and caps.
Key strength
3% on Everything else — 1,000 Reward Points redeem for Rs. 100., with no stated cap.
Biggest limitation
The base rate is 3 Reward Points per Rs. 100 at Rs. 0.10 a point, which is 0.3% back — far below what a cashback card pays on the same spending.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
3 pts
uncappedEverything else
1,000 Reward Points redeem for Rs. 100.
We do not have redemption details recorded for this card. Check the issuer's page before relying on it.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹0 | — |
| Annual / renewal fee | ₹235 | Rs. 199 + GST annual fee waived on minimum retail spends of Rs. 15,000 in a year |
| Cash withdrawal | As published in Kotak's schedule of charges for this card | — |
| Late payment | Rs. 100 where the statement outstanding is up to Rs. 500, Rs. 500 from Rs. 500.01 to Rs. 10,000, and Rs. 700 above Rs. 10,000 | — |
| Foreign currency markup | 3.5% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹15,000 a year
is what it takes to keep the ₹235 fee off — about ₹1,250 a month
We do not have airport lounge recorded for this card. Check the issuer's page before relying on it.
We do not have fuel surcharge waiver recorded for this card. Check the issuer's page before relying on it.
We do not have upi payments recorded for this card. Check the issuer's page before relying on it.
We do not have insurance & protection recorded for this card. Check the issuer's page before relying on it.
We do not have welcome or milestone benefits recorded for this card. Check the issuer's page before relying on it.
We do not have a list of excluded categories recorded for this card. Check the issuer's page before relying on it.
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
KOTAKKotak White Credit Card₹3,540
KOTAKKotak White Reserve Credit Card₹14,750ICICI Bank Parakram Credit CardICICI BankICICI Bank Parakram Credit CardLifetime freeSBI Card UnnatiSTATE BANKSBI Card Unnati₹589| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| Kotak Urbane Gold Credit Card · this card | ₹235 | 3% everything else | Not recorded |
| Kotak Air+ Credit Card | ₹3,540 | Up to 5 miles per ₹100 | Included |
| Kotak Air Credit Card | ₹1,179 | Up to 3% rewards | Included |
| Kotak White Credit Card | ₹3,540 | Up to 8 reward points per ₹150 | Included |
| Kotak White Reserve Credit Card | ₹14,750 | Up to 3 reward points per ₹100 | Included |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹235 plus GST, waived on ₹15,000 of annual spend.
The strongest published rate is 3% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
We do not have lounge details recorded for this card. Check the issuer’s page.
We do not have UPI details recorded for this card.
We do not have an exclusions list recorded for this card. Check the issuer’s terms.
KOTAK publishes about ₹25,000 a month for salaried applicants, and it is usually issued above a 700 credit score. Meeting the criteria is not an approval — the issuer decides.
We do not have redemption details recorded.
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
We do not hold the issuer's own terms, fee-schedule or MITC links for this card yet.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
Kotak Urbane Gold Credit Card — 3% on everything else. ₹235 a year.